Terms of Service

Purpose

Define the terms you agree to by accessing a Ramsey Education curriculum site (e.g., ramseyclassroom.com) (“Site” or “Sites”).

Terms of Service

By visiting a Site, purchasing digital curriculum or otherwise using the information and services provided on or through the Site (collectively “Services”), you agree to these terms of service (“Agreement”). This Agreement is subject to change at any time by the provider of the Services, The Lampo Group, LLC d/b/a Ramsey Education (“we,” “our,” or “Ramsey Education”). When changes are made that alter the terms previously agreed upon, Ramsey Education will notify you, either by electronic mail or on the Site login page.

Warranty

THE SITE, ITS CONTENT, AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH OUR SITE OR PROVIDED THROUGH ANY OF OUR SERVICES ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF OUR SITE OR OF THE SERVICE. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SITE OR SERVICE IS AT YOUR SOLE RISK.

WE MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE CONTENT ON OUR SITE OR OF THE SERVICE, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION.

Use Restriction

Your right to access and use our Site and the Services are personal to you and are not transferable by you to any other person or entity. You are only entitled to access and use our Site for lawful purposes. The content of the Site and our Services are not to be redistributed, copied, resold, or otherwise disseminated unless specifically authorized by us in writing. You are authorized to use the Services as provided and are expressly prohibited from copying, reselling, disseminating, reverse engineering, or otherwise reproducing the Services, including but not limited to any video, audio, downloadable content of any kind, copyrighted works, and trademarks. All rights not granted herein are expressly reserved. Our Services are most effective when accurate information is supplied. You must provide true, accurate, current, and complete information about your accounts maintained at other web sites. Your access and use of our Site may be interrupted from time to time for any of several reasons, including without limitation the malfunction of equipment, periodic updating, maintenance or repair of our Site, or other actions that we, in our sole discretion, may elect to take.

You agree that we may use your feedback, suggestions, or ideas in any way, including in future modifications of the Service, other products or services, advertising, and marketing materials. You grant us a perpetual, worldwide, fully transferable, sub-licensable, irrevocable, fully paid-up, royalty-free license to use the feedback you provide to us in any way. We will not sell, publish, or share your comments or feedback in a way that could identify you without your explicit permission.

If your school receives resources through sponsorship, you acknowledge and agree that the curriculum within the Site is being provided to you free of charge because it has been subsidized by one of our sponsors. In consideration for making the curriculum within the Site available to you and your users free of charge, you acknowledge and consent to allowing the sponsors name and/or logo to be visible to your users. We will not share your student’s data with any sponsor.

In your use of the Service and Site, you agree that you will not:

* Use any robot, spider, scraper, deep link, or other similar automated data gathering or extraction tools, program, algorithm, or methodology to access, acquire, copy, or monitor the Service or any portion of our Site without our express written consent, which may be withheld in our sole discretion;

* Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars, or intelligent agents) to navigate or search our Site, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Internet Explorer, Safari, Firefox, Chrome, or Opera);

* Post or transmit any file that contains viruses, worms, Trojan horses, or any other contaminating or destructive features, or that otherwise interfere with the proper working of our Site or the Service; or

* Attempt to decipher, decompile, copy, reproduce, disassemble, or reverse-engineer any of the Services, content, software, video, or audio components composing or in any way a part of the Site or the Service.

Privacy

For information about how we protect your personal information and data, please review our Privacy Policy (https://www.ramseysolutions.com/company/policies/privacy-policy-ramsey-classroom) (“Privacy Policy”), which is incorporated into this Agreement. The Privacy Policy may be updated from time to time at our sole discretion. When changes are made that alter the terms previously agreed upon, Ramsey Education will notify you either by electronic mail or on the Site login page by changing the date at the bottom of the Privacy Policy. Small changes or changes that do not significantly affect individual privacy interest may be made at any time and without prior notice. Anonymous, aggregate information or other available data that is collected through use of the Site or Service, may be used by us or our third-party vendors, including but not limited to the purchasing employer, plan sponsor, or other fiduciaries, to conduct certain analytical research, performance tracking, and benchmarking. From time to time, we or such third parties may use summary or aggregate results relating to metrics composed of research data and distribute or license such anonymous, aggregated research data for any purpose, including but not limited to helping to improve products and services, tracking program performance, and assisting in troubleshooting and technical support. Other than as stated herein and within the Privacy Policy, your personally identifiable information will NOT be shared with or sold to third parties.

Accessibility (WCAG 2.0)

Ramsey Education engaged a third-party to audit the Site and test against the Web Content Accessibility Guidelines 2.1 Levels A and AA. Web Content Accessibility Guidelines (WCAG), containing a total of 38 criteria, are developed through the World Wide Web Consortium (W3C) process in cooperation with individuals and organizations around the world, with the goal of proving a single shared standard for web content accessibility that meets the needs of individuals, organizations, and governments internationally. All four foundation principles, perceivable, operable, understandable, and robust are in place. The digital materials contained in the pages of the Site we reviewed provide an abundance of media content, interesting information, and effective ways to engage users. All recommendations by the third-party have been or are in the process of being implemented for full compliance with WCAG 2.1.

In the event a non-compliance matter is discovered, please notify Ramsey Education at help@ramseyeducation.com. We will work to resolve as quickly as possible, but we will have a minimum of forty-five (45) days to resolve after notification.

Not a Financial Planner, Broker, or Tax Advisor

The Service is strictly for educational and classroom purposes only. RAMSEY EDUCATION, ITS AFFILIATES, AND THE SERVICE DO NOT PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. WE ARE NOT A FINANCIAL PLANNER, BROKER, FIDUCIARY, OR TAX ADVISOR. Our Service, communications with our team, and the Site are intended only to assist in educating users on personal finance.

Limitation of Liability and Indemnity

YOU TAKE FULL RESPONSIBILITY FOR THE DATA YOU ENTER, THE CONTENT YOU SUPPLY, AND YOUR USE OF OUR SERVICES AND SITES. YOU ACKNOWLEDGE THAT THE SERVICE, RAMSEY EDUCATION, ITS AFFILIATES, AND EMPLOYEES ARE NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR PROFESSIONAL ADVICE. OUR SERVICES ARE OFFERED FOR EDUCATIONAL PURPOSES AS DESCRIBED HEREIN.

NEITHER RAMSEY EDUCATION, ITS AFFILIATES, AGENTS, EMPLOYEES, NOR ANY THIRD-PARTY VENDOR, INCLUDING ANY THIRD-PARTY MARKETER OR PROMOTER OF THE SERVIES UNDER WRITTEN CONTRACT WITH RAMSEY EDUCATION (COLLECTIVELY, “LAMPO PARTIES”) SHALL BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD-PARTY, WHETHER IN CONTRACT, WARRANTY, OR TORT (INCLUDING NEGLIGENCE) ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO OUR SITE, YOUR USE OF THE SERVICE, OR THIS AGREEMENT.

SUBJECT TO APPLICABLE LAW, THE LAMPO PARTIES ARE NOT LIABLE FOR ANY OF THE FOLLOWING: (A) ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE, OR BUSINESS; (B) DAMAGES RELATING TO FAILURES OF TELECOMMUNICATIONS, THE INTERNET, ELECTRONIC COMMUNICATIONS, CORRUPTION, SECURITY, LOSS OR THEFT OF DATA, VIRUSES, SPYWARE, LOSS OF BUSINESS OR REVENUE, LOSS OF PROFITS OR INVESTMENT, OR USE OF SOFTWARE OR HARDWARE THAT DOES NOT MEET SYSTEM REQUIREMENTS; (C) DAMAGES OR LOSSES RELATED TO PROFESSIONAL SERVICES OR ADVICE OF THIRD PARTIES, INCLUDING ADVERTISERS. THE ABOVE LIMITATIONS APPLY EVEN IF THE LAMPO PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS AGREEMENT SETS FORTH THE ENTIRE LIABILITY OF THE LAMPO PARTIES, AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE SERVICE AND ITS USE. IN NO EVENT MAY YOU BRING ANY CLAIM OR CAUSE OF ACTION AGAINST US OR ANY OF THE LAMPO PARTIES MORE THAN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION ARISES.

THE MAXIMUM AMOUNT TO WHICH THE LAMPO PARTIES MAY BE LIABLE TO YOU IN ANY CIRCUMSTANCE SHALL NOT EXCEED THE LESSER OF (1) THE FEES PAID BY YOU IN THE PRECEDING TWELVE (12) MONTHS FOR OUR SERVICE OR (2) IN THE CASE OF ALL OTHER USERS AND MEMBERS, FIVE HUNDRED DOLLARS ($500.00).

To the extent permitted by applicable law, you agree to indemnify and hold The Lampo Parties harmless from any and all claims, liability, and expenses, including reasonable attorneys' fees and costs, arising out of your use of the Site, use of our Services, or breach of this Agreement (collectively referred to as "Claims"). We reserve the right, in our sole discretion and at our own expense, to assume the exclusive defense and control of any Claims. You agree to reasonably cooperate as requested by us in the defense of any Claims.

Intellectual Property Rights

The contents of our Services and our Sites, including its text, videos, graphics, images, logos, and button icons, photographs, editorial content, notices, software, and other material are protected under both United States and other applicable copyright, trademark, and other laws. The contents of our Sites belong or are licensed to us or its software or content suppliers. We grant you the right to view and use the Service subject to these terms. You may download or print a copy of information provided on our Site for your personal, noncommercial use only. Any distribution, reprint, or electronic reproduction of any content from our Site in whole or in part for any other purpose is expressly prohibited without our prior written consent. All rights not granted are exclusively reserved by us. This is not a transfer of ownership in any intellectual property owned by Ramsey Education.

Governing Law and Venue for Disputes

To the extent not prohibited by law, this Agreement and your relationship with us shall be construed and governed by the laws of the United States and the State of Tennessee without regard to its conflict or choice of laws provisions. You agree that any dispute with us, or our officers, directors, employees, agents, or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the state courts having jurisdiction over Williamson County, Tennessee within one (1) year after the claim(s) arises, except with respect to imminent harm requiring temporary or preliminary injunctive relief, in which case we may seek such relief in any court with jurisdiction over the parties. If you are a nonpaying member, you understand that, in return for agreement to this provision, we are able to offer the Service, without charge to you, and that your assent to this provision is an indispensable consideration to this Agreement.

Modifications

We may modify this Agreement from time to time in our sole discretion. When changes are made that alter the terms previously agreed upon, Ramsey Education will notify you either by electronic mail or on the Site login page. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.

Termination

This Agreement will remain in effect until terminated by either you or us as set out below. If you want to terminate this Agreement with us, you may do so by closing your account for the Service.

We may at any time terminate the Agreement and/or the Services with you:

* If you have breached or repudiated any provision of this Agreement;

* If we in our sole discretion believe termination is required by law;

* Upon the end of any license term purchased by you or for you; or

* Immediately with or without cause upon notice to the email address provided by you as part of your registration information.

Miscellaneous

If any portion of this Agreement is deemed unlawful, void, or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void, or unenforceable, but only that portion of this Agreement that is unlawful, void, or unenforceable shall be stricken from this Agreement.

If we do not exercise or enforce any legal right or remedy that is contained in the Agreement, such decision on our part will not serve as formal waiver of our rights. Those rights or remedies will still be available to us.

All covenants, agreements, representations, and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement represents the entire understanding and agreement between you and us regarding the subject matter of the same and supersedes all other previous agreements.

Agreement

This Agreement contains the entire agreement between the Site visitor or Service user and Ramsey Education regarding the use of the Service, and supersedes all prior written and oral understandings and writings. By using our Services, you warrant and represent that you are competent to enter this binding Agreement.

Effective Date: 12.8.2023